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All comparisons
Head-to-head, 2026

American Express Graphite Business Cash Unlimited Card Chase Sapphire Preferred

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: Chase Sapphire Preferred

American Express

Graphite Business Cash Unlimited Card

Annual fee
$295
Network
amex
Welcome value
—
Min spend
—

Top earning rates

  • 2×all other purchases

Key benefits

  • $200 Annual Amex Travel Credit · $200
  • Car Rental Loss and Damage Insurance · $50
  • No Foreign Transaction Fees · $50
  • $15 Monthly Gas Credit · $15
  • $10 Monthly Wireless Credit · $10
Full American Express Graphite Business Cash Unlimited Card review

Chase

Sapphire Preferred

Annual fee
$95
Network
visa
Welcome value
$750
Min spend
$4,000 / 3mo

Top earning rates

  • 5×travel · Chase Ultimate Rewards
  • 3×dining · Chase Ultimate Rewards
  • 3×online grocery · Chase Ultimate Rewards
  • 3×streaming services · Chase Ultimate Rewards

Key benefits

  • Primary Auto Rental CDW · $150
  • DoorDash DashPass · $120
  • Trip Cancellation/Interruption Insurance · $100
  • $50 Hotel Credit · $50
  • No Foreign Transaction Fees · $50
Full Chase Sapphire Preferred review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

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